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\caption*{Online Appendix Table 3: Attrited Summary Statistics and Balance-India}
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\\[-1.8ex]\hline \hline \\[-1.8ex]
 & \multicolumn{2}{c}{(1)}  & \multicolumn{2}{c}{(2)}  & \multicolumn{2}{c}{(3)}  & \multicolumn{2}{c}{(2)-(3)} \\
 & \multicolumn{2}{c}{Total Sample}  & \multicolumn{2}{c}{Attrited Control}  & \multicolumn{2}{c}{Attrited Treatment}  & \multicolumn{2}{c}{Pairwise t-test}  \\
Variable & N & Mean/(SD) & N & Mean/(SD) & N & Mean/(SD) & N & P-value \\ \hline \\[1ex]
\textbf{\emph{A. Client Characteristics}} & & & & & & & & \\
Age   & 531    & 37.245    & 264    & 37.292    & 267    & 37.199    & 531    & 0.896   \\
 &   & (8.176)  &   & (8.643)  &   & (7.703)  &   &  \\ [1ex]
Female   & 531    & 0.864    & 264    & 0.864    & 267    & 0.865    & 531    & 0.959   \\
 &   & (0.343)  &   & (0.344)  &   & (0.342)  &   &  \\ [1ex]
  \textbf{Education} & & & & & & & & \\ [1ex]
High School of Above   & 531    & 0.347    & 264    & 0.367    & 267    & 0.326    & 531    & 0.315   \\
 &   & (0.476)  &   & (0.483)  &   & (0.470)  &   &  \\ [1ex]
   \textbf{Business Type} & & & & & & & & \\
Business is Primary Source of Income   & 531    & 0.337    & 264    & 0.322    & 267    & 0.352    & 531    & 0.464   \\
 &   & (0.473)  &   & (0.468)  &   & (0.479)  &   &  \\ [1ex]
Retail: Food   & 531    & 0.260    & 264    & 0.284    & 267    & 0.236    & 531    & 0.207   \\
 &   & (0.439)  &   & (0.452)  &   & (0.425)  &   &  \\ [1ex]
  \hline \\
 \textbf{\emph{B. Business Practices}} & & & & & & & & \\ [1ex]
Do Separate Business \& Household Cash   & 531    & 0.243    & 264    & 0.254    & 267    & 0.232    & 531    & 0.563   \\
 &   & (0.429)  &   & (0.436)  &   & (0.423)  &   &  \\ [1ex]
Do Pay Salary to Self   & 531    & 0.038    & 264    & 0.030    & 267    & 0.045    & 531    & 0.377   \\
 &   & (0.191)  &   & (0.172)  &   & (0.208)  &   &  \\ [1ex]
Do Calculate Profits   & 531    & 0.582    & 264    & 0.580    & 267    & 0.584    & 531    & 0.912   \\
 &   & (0.494)  &   & (0.495)  &   & (0.494)  &   &  \\ [1ex]
Give customers credit for at most 7 days   & 193    & 0.285    & 98    & 0.255    & 95    & 0.316    & 193    & 0.353   \\
 &   & (0.453)  &   & (0.438)  &   & (0.467)  &   &  \\ [1ex]
Do nothing when customers do not pay credit   & 193    & 0.047    & 98    & 0.031    & 95    & 0.063    & 193    & 0.286   \\
 &   & (0.211)  &   & (0.173)  &   & (0.245)  &   &  \\ [1ex]
Keep Business Records   & 365    & 0.411    & 180    & 0.444    & 185    & 0.378    & 365    & 0.201   \\
 &   & (0.493)  &   & (0.498)  &   & (0.486)  &   &  \\ [1ex]
Keep Customer Credit Records   & 193    & 0.435    & 98    & 0.469    & 95    & 0.400    & 193    & 0.334   \\
 &   & (0.497)  &   & (0.502)  &   & (0.492)  &   &  \\ [1ex]
Determine stock based on a good strategy   & 531    & 0.109    & 264    & 0.114    & 267    & 0.105    & 531    & 0.747   \\
 &   & (0.312)  &   & (0.318)  &   & (0.307)  &   &  \\ [1ex]
Never Visit competitors to check prices/quality   & 531    & 0.386    & 264    & 0.367    & 267    & 0.404    & 531    & 0.381   \\
 &   & (0.487)  &   & (0.483)  &   & (0.492)  &   &  \\ [1ex]
Never Talk to customers to understand needs   & 531    & 0.446    & 264    & 0.447    & 267    & 0.446    & 531    & 0.976   \\
 &   & (0.498)  &   & (0.498)  &   & (0.498)  &   &  \\ [1ex]
Never do supplier quality comparison   & 531    & 0.232    & 264    & 0.250    & 267    & 0.213    & 531    & 0.320   \\
 &   & (0.422)  &   & (0.434)  &   & (0.411)  &   &  \\ [1ex]
Never Negotiated terms with suppliers   & 531    & 0.183    & 264    & 0.189    & 267    & 0.176    & 531    & 0.691   \\
 &   & (0.387)  &   & (0.393)  &   & (0.382)  &   &  \\ [1ex]
Took full advantage of cash discount   & 115    & 0.461    & 56    & 0.482    & 59    & 0.441    & 115    & 0.659   \\
 &   & (0.501)  &   & (0.504)  &   & (0.501)  &   &  \\ [1ex]
  \hline \\
 \textbf{\emph{C. Business Performance}} & & & & & & & & \\ [1ex]
 
Sales-Regular Week (Winsorized at 1\%)   & 364    & 13651.099    & 179    & 13262.570    & 185    & 14027.027    & 364    & 0.618   \\
 &   & (14613.778)  &   & (14519.390)  &   & (14734.123)  &   &  \\ [1ex]
Profits-Regular Week (Winsorized at 1\%)   & 363    & 5267.218    & 179    & 5074.022    & 184    & 5455.163    & 363    & 0.465   \\
 &   & (4962.215)  &   & (4561.282)  &   & (5329.171)  &   &  \\ [1ex]
\hline \hline \\[-1.8ex]
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\multicolumn{9}{@{} p{22cm}}{\emph{Source:} Primary data collected by research team} \\
\multicolumn{9}{@{} p{22cm}}{Notes: This table presents summary statistics based on baseline survey data. Standard deviations (column 2, 3, 4) of variables and p-values (column 5) appear in parentheses. * Denotes significance at 10\%-level, ** at the 5\%-level, and *** at the 1\%-level}

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